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How's it going? Very good! As long as they are poor households who set up files and set up cards in rural areas, they can enjoy these good policies! However, poverty alleviation microfinance is a financial precision poverty alleviation product tailored for poor households who have established a card! Only poor households with loan willingness, employment and entrepreneurial potential, skills and repayment ability can apply. Of course, new rural business entities in some areas, such as large professional households and farmers' professional cooperatives, have clearly defined the responsibility and leading mechanism for poverty alleviation, signed contracts with poor households to help increase income and get rid of poverty, and can also apply for small loans for poverty alleviation.
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The benchmark of the national poverty alleviation loan is less than 50,000 yuan, and it is free of guarantee and mortgage within 3 years. The loan is based on the benchmark interest rate and the financial interest is subsidized. In particular, it is easier to apply for income-increasing projects such as family farming, simple family processing industry, family tourism, buying small agricultural machinery and tools, and participating in local new rural business entities' investment. Of course, there is a difference, not all poor households can get it. Family members who have bad hobbies such as gambling, taking drugs, whoring, buying Mark Six lottery tickets, and have a black history of not paying debts will be included in the loan blacklist. Moreover, it will be divided into several indicators such as poor households' integrity, family labor force, labor skills and per capita income. The proportion of each indicator is different. According to these indicators, the village-level risk control team evaluates the credit rating of poor households, and the credit lines of different levels are different.
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1. Application: The poverty-stricken households who set up the file and set up the card voluntarily apply to the loan issuing bank with valid identity documents, loan application project information and poor households' credit cards.
2. Acceptance and investigation: After the loan issuing bank receives the loan application from the poverty-stricken households who set up the card, it will conduct an independent review of the applicant's basic situation and loan projects in time, and the loan officer will conduct on-the-spot investigation.
3. Approval and Lending: According to the review and investigation, the loan issuing bank will timely issue loans to eligible applicants according to the relevant loan procedures.
4. Repayment: The lender repays the loan principal and interest on time. Village-level risk control teams should provide follow-up services.
5. Discount: poor households apply, financial institutions declare, county-level people's bank verifies, county-level poverty alleviation, financial department approves, and entrusts financial institutions to pay to households.
You should also remember that there is another situation where you can't repay the loan, and you can apply for a loan renewal business without repaying the principal. For poor households who still need money when the loan expires, banking financial institutions can intervene in the loan investigation and evaluation in advance. During the poverty alleviation period, under the premise of controllable risks, poor households can renew their loans without paying the principal!
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